Category: Auto-Finanzierung Forum

Just look at autosuch.de the VW Sharan. I came across a few offers: A) Purchase price 26,954 42 months, 12,500 km, 100 Euro Deposit effZins 0.16% returns monthly rate: 294 Euro B) Purchase price 27,880 42 months, 12,500km, 100 Euro Deposit eff Interest 0.18% returns monthly rate: 266 Euro Difference: 42x(294-266)=1,176 (100 Euro Deposit I only took because the rate calculator 0 Euro does not always accept immediately) Now I ask myself why A) with a lower Price price has a higher rate? Does A) assume a lower residual value? Just see that A is a diesel and B is a gasoline. I would like to negotiate with A and come to the level of B. A and B are two different VW car dealerships. Can each dealership store its own values with the rate calculator? Otherwise, the same purchase price and the same information would always have to come out of the same rate, right?

Hello, I have noticed that it is possible to revoke ongoing, even completed financing due to incorrect wording. According to ECJ 26.03.2020 this should be possible. Do you have experience in this regard? Mfg

Hello car friends, we are about to sign a purchase contract for a Hyundai Tucson. This will be offered to us by residual value leasing via Hyundai Finance with subsequent financing. The terms are rough: Purchase price: 31975 (with 2.49% interest = 34400 total) 48 months Duration 3-4k Advance payment 245 mtl. Rate lime. Rest value about 20k The residual value has probably been set so high that we can get to the low monthly rate (and so it becomes tasty for us ^^ )) We get the contractual possibility to continue to finance afterwards. With “normal” leasing I would take my hands off of this because the rest is unrealistically high and you have to put on 5k when returning it. Since we can now normally continue to finance there is actually no “trap”, or yet? Does someone know better about this than I do? Would I choose normal financing from another dealer I would have to lay about 350 per month as a rate and the remaining value is estimated by the difference after 48 months lower. So with the current offer, see above, I save 48 months about 100 euros where we are then at the 5k Euro. Do I have a mistake in thinking or can you accept the offer without any problems if we want to continue after 48 months one way or another with a new down payment + financing? Thank you already

Hello, I think there are some who know the problem. One has a negative Schufa and therefore no possibility to complete a financing. That is also perfectly fine from my point of view, because the companies of course also have to protect themselves. Now it is with me that in the end I have no debts or open positions, a regulated monthly income of approx. 4000 € net and at the moment a “long-term rental car”. Since the rent for this dare is quite high I try since some It would not be a problem at all, since I will also take this rent of almost 650 € per month. It only uses me nothing with this argument to get in front of a car dealership, since at the latest with the point of the Schufa information the request is void. Of course one can say, if an entry exists this also had a reason. Of course, but finally the situation is done, with the entry is still not deleted I have to live nevertheless. Now the question, isn’t there the possibility to finance a car with this entry on the basis of salary certificates or the like? Are there car dealerships that could get into contact with me about this? Thank you for a corresponding hint/tip

Hi, I was thinking about buying a 2017 530d or a similar E-Class/A6 as a family car this time instead of a regulated company car. It’s like sand by the sea and you get an 80,000€ car for about 30,000€. But of course it has a disadvantage, the possibility of a bigger damage to the car. As it would be OK for me to sell the car again after 23 months (sold better if you have a short warranty) I would like something with 2 ode With Benz there is something like that as a young star, with BMW it is probably called Select. But how good are these insurances? Do they really, or can you also seperatly seal something like this, e.g. after private purchase? Thanks for tips!! Luna

Good evening, I was at Mercedes on Friday and had a car financed there, went through everything and signed everything and took the documents with me, today a letter came home to me from 28.06, added the letter in the appendix, did you get that too? Am I 100% sure that the financing is through? Because wanted to sell my old only the letter made me a little insecure, the seller unfortunately does not go to it is already too late :/

Hello, I have a question regarding new car financing. The following facts: I have recently submitted an application to a bank and received a commitment. The bank needs the registration certificate Part II in addition to “normal” documents. But that doesn’t make any sense at all, right? The manufacturer will not give me the car (and thus the registration documents) until I have paid? But how should I pay if the financing amount is not too high? I pay 30%. Can anyone explain this to me? Strangely enough, the consultant couldn’t help me. He said it was normal. Thank you in advance!

Hello all together I’m thinking of getting a porsche cayenne turbo 2018. Now I can’t decide if I should take the Vario financing from sixt now via Porsche or directly via check24? Oh yes 120k € I can directly pay 160k € the car costs. So with Vario financing I can only pay 40% with the others I can enter the amount directly only then the month financing is higher than with sixt. I know this at sixt after the 3 years ago. neither the car can return or can continue to finance or can pay directly everything. So it makes more sense to get the car over sixt?

Hello together, the following situation. I had a Peugeot leased about 2 years ago (residual leasing 12 months). But since the remaining value was set very low, I had no bad surprises when returning last year. Now we leased another vehicle (petrols) afterwards. The guaranteed residual value incl. VAT is about 9.9000€. I wanted to leave this one now (no damage etc. were detected / vehicle in top condition). However, the name was: it is now that due to the oversaturated market of equivalent vehicles a difference of 1000€ has arisen, which should be charged to me. The current market value for an equivalent model starts at approx. 11,200€. How can one proceed against it or can one do so at all? Thank you.

Hello, I have a question, because I am not quite sure about this… I plan to use a leasing as a commercial customer at SIXT. I am independent and can also “prove” all this by means of a business license at SIXT. Now it is the case that I want to know if in this case you have to park the car by means of 1% regulation even later OR if I can still write off even after purchase on the so-called mileage flat rate. I ask therefore, since there are already advantages, if one as a business owner However, the 1% rule is not worth it for me. Therefore, I would like to assert the kilometers with the FA after the purchase as a trader. The ratio does not allow me to make the 1% regulation and on a “yearly travel book” I have now best. no desire. Therefore the question whether the purchase as a trade is involuntarily connected with the 1% regulation or travel book method OR if I can then simply continue to apply the mileage flat rate. Is there tips to give? Thank you in advance Janwill